Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$178,179Cash toward the purchase price.
Closing costs + prepaids$14,903Not just lender fees.
Before credits & paid funds$193,082The complete starting cash picture.
Estimated remaining funds due at closing
$193,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,178.76
Your down payment$178,178.76
Closing costs + prepaids$14,903.35
Total buyer cash needed$193,082.10
Remaining funds due$193,082.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,849.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,034.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.00
Initial HOA (3 months)$20.01
Prepaid interest, first (12 days)$829.24
Fees + prepaids$14,903.35
Your down payment is the seller’s equity. You take over the $406,820 balance, so the rest of the $584,999 price is paid at closing. A second mortgage can cover part of it. $193,082.10 is due at closing. Uses and sources reconcile at $599,902.35 each. Not a Closing Disclosure.